周洁论文定稿.docVIP

上海交通大学本科毕业论文 学 生：周 洁 学 号：706121040028 专 业：国际贸易 导 师：宋 波 学校代码：10248 上海交通大学网络教育学院 二ＯＯ七年月 毕业论文声明 本人郑重声明： 1、此毕业论文是本人在指导教师指导下独立进行研究取得的成果。除了特别加以标注和致谢的地方外，本文不包含其他人或其它机构已经发表或撰写过的研究成果。对本文研究做出重要贡献的个人与集体均已在文中作了明确标明。本人完全意识到本声明的法律结果由本人承担。 2、本人完全了解学校、学院有关保留、使用学位论文的规定，同意学校与学院保留并向国家有关部门或机构送交此论文的复印件和电子版，允许此文被查阅和借阅。本人授权上海交通大学网络教育学院可以将此文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本文。 3、若在上海交通大学网络教育学院毕业论文审查小组复审中，发现本文有抄袭，一切后果均由本人承担（包括接受毕业论文成绩不及格、缴纳毕业论文重新学习费、不能按时获得毕业证书等），与毕业论文指导老师无关。 作者签名： 日期2007-9-9 中国信用卡业发展存在的问题及对策 摘 要The Problem and Solution in the Development of Credit Card Industry in China ABSTRACT Before five or ten years ago, the credit card meant nothing to us and we also couldn’t believe that it would be so popular today. The credit card marketing had been changed more for last five years. It was looked as vogue life way that purchased merchandise by using credit card five years ago, but now the credit card had been used everywhere and affected our life. Today the foreign issuer can issuing credit card in China, it means the payment method had been gong into credit card time. Due to increasing the level of earning, the credit card will develop very fast. Although the credit cards marketing had shown us tremendous potential, but it also had many question by it. Our local bank will face the challenge from the foreign issuer. I found that the local issue bank still had some problem itself and must face the potential menace from the foreign issuer. Through compare with Europe and America, local credit card marketing still has more distance. It mainly shown on the four questions: income, security, credit processing and consumption habit. For decreasing the distance, we must resolve the four questions. We can increase the income by extending issue credit card, build the security consciousness, update the credit processing and create the new card product. Key Words: credit card，condition，problem and solution 中国信用卡业发展存在的问题及对策 目 录摘